comdirect review
Updated September 28, 2026 · VaultCue Editorial Team · Facts checked September 26, 2026
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Our verdict
comdirect suits anyone in Germany who wants an everyday account they can open without tying up money, and the minimum deposit of €0 keeps entry free. Fees of €0 to €4.90 a month apply once the free run ends, so the account rewards steady activity.
Key facts
- Best for
- A German current account that stays free as long as money and card payments keep moving through it.
- Minimum deposit
- €0↗
- Deposit protection
- EU DGS up to EUR 100,000↗
- Access terms
- Girokonto free for the first six months, then free if 700 EUR monthly inbound transfer, 3 monthly Apple Pay or Google Pay payments, or at least one securities transaction per month; also free up to age 27 inclusive↗
- Monthly fee
- €0 to €4.90↗
- Account kind
- Easy access↗
- Legal entity
- Commerzbank AG↗
- Headquarters
- Germany↗
- Founded
- 1994↗
- Pricing model
- No monthly fee
- Official website
- comdirect.de
Facts checked September 26, 2026, 2 sources
Pros and cons
Pros
- No minimum deposit to clear, so the account opens at €0
- Free on qualifying activity, and the no monthly fee model is shared by 91.7% of brands here
- Deposits sit under EU DGS up to EUR 100,000
Cons
- The free period is conditional, so fees of €0 to €4.90 a month apply to anyone without the qualifying activity
- Cover stops at EU DGS up to EUR 100,000, so larger balances sit outside the scheme
Ready to try comdirect?
Scored 9.4 / 10 by VaultCue.
Who it suits
- German residents who want an everyday account with no minimum deposit to clear
- People who already take money in each month, since the account stays free on that activity and €0 to €4.90 only applies without it
- Anyone whose balance sits under EU DGS up to EUR 100,000 and who wants the money reachable at short notice
Who should look elsewhere
- PayPal Colombia, if a payments wallet is enough rather than a bank current account, where the minimum deposit is $0
- XTB, if you want an investment platform with a minimum deposit of £0 instead of savings
- eToro, if you plan to trade, where the minimum deposit runs $1 to $10,000
Who runs it
comdirect trades as a brand of Commerzbank AG, a bank based in Germany that has been operating since 1994. The brand handles the app, the everyday account and the savings side, while the banking licence and the deposit guarantee sit with the parent bank. That structure matters for a savings reader, because the money is held by an established bank rather than by a standalone app.
How comdirect compares
9.4 vs 8.6
9.4 vs 9.5
9.4 vs 8.0
9.4 vs 8.9A trading balance where the minimum deposit runs $1 to $10,000, so it suits people who invest rather than save.
9.4 vs 8.9
9.4 vs 9.1
9.4 vs 9.1
9.4 vs 8.9
9.4 vs 8.7- 9.4 vs 8.0
9.4 vs 9.0
9.4 vs 8.1
9.4 vs 8.7
9.4 vs 8.0
9.4 vs 9.5
9.4 vs 9.4
9.4 vs 9.3
9.4 vs 9.2
9.4 vs 9.0
9.4 vs 8.7
9.4 vs 8.5
9.4 vs 8.5
9.4 vs 8.5
9.4 vs 8.4
9.4 vs 8.3
9.4 vs 9.0
Where comdirect is available
- Available
- Germany
Countries from the brand (Source, checked September 26, 2026)
Frequently asked questions
How much does comdirect cost a month?+
The current account carries fees of €0 to €4.90 a month. It is free for an introductory period, and after that it stays free if you take in a regular monthly transfer, make mobile wallet payments, or run a securities transaction each month, and it is free up to a minimum age.
Do I need to put money in before opening?+
There is no minimum deposit to meet, so the account opens at €0. That places it at 1 on minimum deposit among 370 brands ranked here, so a small first transfer is enough to get going.
Is my money protected?+
Deposits are covered by EU DGS up to EUR 100,000, the German deposit guarantee scheme. Anything held above that ceiling sits outside the scheme, so larger balances are better kept elsewhere. The balance sits with the bank behind the brand, which is what makes the scheme apply.
Who runs comdirect?+
comdirect is a brand of Commerzbank AG, which has been in the market since 1994. You open and manage the account through comdirect, but the money is held by the bank behind the brand, and that parent holds the banking licence and the deposit guarantee.
What type of account is it?+
It is an easy access account, the type 76.7% of accounts on the site. Money moves in and out as needed rather than being tied to a term or a notice period, which suits everyday spending and short term saving.
How does the fee compare with other accounts here?+
It sits in the cheap group. Most no fee accounts on the site charge €0, the top quartile charge €0, and the priciest account here costs €449 a month, while comdirect stays free once you use it as intended.
How well does it score on cost?+
The cost score is 6.5 out of ten, and the overall score is 6.5. The reason is the entry point rather than the headline rate: fees of €0 to €4.90 a month apply only without qualifying activity, and there is no minimum deposit to clear first.
Sources
- de.wikipedia.org/wiki/Comdirect checked September 26, 2026
Backs: Access terms, Account kind, Founded, Headquarters, Legal entity, Minimum deposit, Pricing model, Monthly fee
“Andernfalls fällt eine Kontoführungsgebühr in Höhe von 4,90 EUR pro Monat an”
- web.archive.org/web/20200130125116/https://portal.mvp.baf... checked September 26, 2026
Backs: Deposit protection
Compiled from 2 source pages, checked September 26, 2026. We did not open an account.
Not confirmed yet: Headline rate, Rate type, Term.
Related by the facts
comdirect
A German current account that stays free as long as money and card payments keep moving through it.